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by Gordon B. Cowen You may be familiar with disability insurance, which is an insurance policy that assists you in case you are disabled and unable to work. There are government programs that offer such insurance, and a number of firms offer group disability insurance to their employees. The concept is similar to unemployment insurance in that if your salary is cut off, in this case because you cannot work, not because you have lost your job, you will still receive an income. Some policies c

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